If you’re planning for retirement or already retired in the US, you’ve likely heard of Social Security, Medicare, and UnitedHealth. These names come up often when talking about retirement benefits and health care. But many people are confused about how these programs work together—or if they even do.
Social Security vs. UnitedHealth: What’s the Difference?
Social Security is a government program. It gives monthly payments to retired workers, usually after they turn 62. In 2025, the average monthly benefit is $1,976. The money comes from taxes you and your employer paid during your working years.
UnitedHealth, on the other hand, is a private health insurance company. It offers health plans like Medicare Advantage, which include hospital care, medicines, and even extra services like dental or vision—things that regular Medicare may not cover.
So, Social Security gives you income in retirement, and UnitedHealth helps cover your medical costs through private plans.
Who Pays for Each Program?
Social Security is paid through taxes under FICA law. You need to have earned 40 work credits (about 10 years of work) to qualify.
UnitedHealth, however, runs on premium payments, either paid by you or your employer. It’s a private company, not funded by tax dollars like Social Security.
Can I Have Social Security and UnitedHealth at the Same Time?
Yes, and many people do. According to 2025 data, 67% of retirees with Social Security also use private health plans like UnitedHealth’s Medicare Advantage. There’s no conflict in using both.
In fact, if you’re already receiving Social Security four months before turning 65, you’ll be automatically enrolled in Medicare (Parts A and B). After that, you can choose a Medicare Advantage plan from UnitedHealth for additional coverage.
This setup works well. Many city retiree plans—like in Savannah—require Medicare enrollment to access UnitedHealth’s plans. So yes, these systems are designed to work together.
Medicare vs. Medicare Advantage: What’s the Difference?
Traditional Medicare (Parts A and B) is run by the federal government.
Medicare Advantage, offered by companies like UnitedHealth, replaces Parts A and B but adds extra services.
For example:
- Traditional Medicare might cover 60% of a hospital bill
- UnitedHealth’s Medicare Advantage could cover up to 80%
- Advantage plans may include dental, vision, or drug coverage (Part D)
- Plans often come with low premiums, depending on the coverage you choose
You still receive Social Security payments, and Medicare Advantage does not affect your income benefit.
Who Can Qualify for These Benefits?
To qualify for Social Security, you need:
- Minimum age: 62 years
- 40 work credits (about 10 years of work)
- In 2025, you earn 1 credit for every $1,810 earned, up to 4 per year
If you haven’t worked enough, you may still qualify through a spouse or ex-spouse:
- Married: Your spouse must qualify for Social Security
- Divorced: Must have been married for at least 10 years
- Widowed: Can claim benefits through your deceased spouse’s record
- Children: Can qualify if under 18, still in school, or disabled before age 22
Your ex-spouse will not be notified if you apply through their record.
To qualify for Medicare:
- Age: 65 or older
- You must qualify for Social Security or disability benefits
- If not, you can still buy Part A and B, but must pay full premiums
- Part B costs $174.70/month in 2025, higher for high-income earners
People with certain diseases (like ALS or kidney failure) may qualify earlier. If you don’t apply on time, you may pay a 10% penalty for every year you delay.
How Do You Enroll?
If you’re receiving Social Security before age 65, you’ll be automatically enrolled in Medicare Parts A and B. Then, you can choose a UnitedHealth Medicare Advantage plan.
If you’re not yet on Social Security, you’ll need to apply manually during your 7-month Medicare enrollment period (starting 3 months before your 65th birthday).
To join a Medicare Advantage plan, Part A must be active, which happens when you start receiving Social Security.